The 500Friends loyalty service is designed to be a one-stop shop for companies to get up and running quickly and includes a package with analytics, fraud management, points redemption, segmentation and personalization.

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The Jungian analyst Marie-Louise von Franz, in her book, The Cat: A Tale of Feminine Redemption, points to the independence of cats.

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Cashing in points for merchandise rewards is typically the worst redemption option.

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If your unrealized capital losses are in no-load mutual funds, the first and third points would not apply (unless you are subject to a redemption fee).

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